To apply for any joint accounts, you must be 18+ and a UK resident. Specific account criteria and eligibility apply.
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Open a joint current account
Joint bank accounts
Joint Bank Accounts | NatWest Bank Accounts
Get our £180 offer when you switch into one of our Reward accounts
Apply online or via our mobile app to open a new Reward account and switch your current account held elsewhere using the Current Account Switch Service. This means your old bank account will close and any funds and Direct Debits will move over to us.
If you're an existing customer, you can switch your account held elsewhere in to an existing eligible Reward account, or switch in and upgrade an existing account to one of our Reward accounts.
To be eligible for the offer, within 60 days of completing the switch, you must:
- Have an eligible Reward account.
- Pay in £1,250. This can be made of multiple payments and must remain in the account for 24 hours.
- Log in to our mobile app. If you already have the app, you’ll need to be on the latest version.
Account must be opened in a sole name before being made joint. It's not possible to switch a joint account into a sole account. If you're looking to switch in a joint account to us, you will need to wait for the joint account process to complete before requesting the switch.
When you've met these conditions, we'll pay £180 into your eligible account within 7 days.
Monthly fees apply. If you've previously received a switch incentive from NatWest Group, you won't be eligible for this offer. Offer can be withdrawn or amended at any time due to limited availability. App criteria apply. Offer T&Cs apply.
Why a joint bank account may be best for you?
A joint bank account is simply a type of account that gives equal access to two people, making both parties responsible for the account.
It’s much like having your own, the only difference is that you can both control what happens. This includes making payments, setting up Direct Debits and using any arranged overdraft.
Joint accounts are commonly used to manage shared household bills. This might be with a housemate or a partner. These accounts are useful for outgoings such as:
- Mortgage
- Rent
- Groceries
- Utility bills
When you have a joint current account you’ll both get a contactless debit card. You can also manage your joint account using the mobile banking app or via Online Banking.
Discover the benefits of setting up a bank account with NatWest and start the process for a joint bank account today.
Our basic current account
Our Select account is a basic bank account that gives you everything you need for your day-to-day banking needs:
- Monthly fee free banking.
- Take care of your bank account on the go with our mobile app and Online Banking. Criteria apply.
- Pay however you like with Apple Pay, Google Pay™ and contactless. Limits apply.
To apply, you need to be 18+ and a UK resident.
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Reward current account
With the Reward bank account, for a £2 fee you could:
- Earn up to £5 a month back in Rewards.
- Redeem your Rewards as cashback, gift-cards or e-codes with a range of retailers.
- Even donate your Rewards to charity if you like.
To apply, you need to be 18 or over and a UK resident. To hold this account, you need to pay £1,250 into an eligible NatWest account every month. To earn £5 rewards, you earn £4 a month back in rewards for two or more Direct Debits (at least £2 each) and an additional £1 a month back in rewards with one mobile app log in.
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How to open a joint bank account
Opening a joint bank account with NatWest may include a few more steps than when you’re opening an account on your own. But we try to keep it simple. To create a joint account, you'll need to add the party to your new or existing current account.
Are you new to us?
Here 24/7
You can talk to us wherever and whenever you choose using Video Banking. This 24/7 service can help you keep on top of your goals with a free Financial Health Check.
Help with financial health
It’s also possible to access our digital Financial Health Check. The process only takes a few minutes and can help get your finances back on track.
Security matters to us
Security is important to us. That’s why we give you the option of being able to lock and unlock your debit card. If you or the other joint account holder misplaces a card, you can easily keep your finances safe until you find it.
All on the app
This is all done via the NatWest mobile app. This tool is helpful to manage your joint account and stay in control of your finances on the go.